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Assurance responsabilité : les demandes formées durant le délai subséquent sont soumises à un plafond de garantie unique
Dans un arrêt du 18 septembre 2025 (Cass. civ 2ᵉ, n°24-10.165), la Cour de cassation rappelle la portée de l’article R.124-4 du Code des assurances :
Toutes les réclamations formulées durant le délai subséquent (5 ans après la résiliation du contrat) sont soumises à un plafond de garantie unique dès lors qu’elles concernent des faits générateurs survenus pendant la période de validité du contrat.
En l’espèce, les juges du fond avaient admis qu’une réclamation postérieure à la résiliation pouvait bénéficier d’un plafond distinct.
La Cour de cassation censure cette lecture, rappelant que le plafond s’applique globalement à l’ensemble des demandes formulées durant ce délai.
Le scandale ARISTOPHIL aura le mérite de cette clarification.